In reply to Robert.

I actually just created two shortcuts for linking to files in my Documents folder.

Here’s one for copying the link. https://www.icloud.com/shortcuts/b55f54d60e8a4caa961d1601e883ed18

Here’s one which actually opens the file. https://www.icloud.com/shortcuts/59e66b1327b44f17beaf4774f943d3d4

You have to customize the /Users/zsbenke part but you get the idea. You can paste these links into the URL field of a reminder and it will open the file.